Mercury Mariner Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 3, 2023
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U.S. average insurance prices for a Mercury Mariner are $850 every 12 months for full coverage. Comprehensive insurance costs around $146, collision insurance costs $178, and liability insurance costs $390. Liability-only insurance costs as little as $438 a year, and high-risk driver insurance costs $1,818 or more. 16-year-old drivers pay the highest rates at up to $3,398 a year.
Average premium for full coverage: $850
Price estimates for individual coverage:
Full coverage includes $500 deductible amounts, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for different Mariner trim levels.
Price Range from Low to High
For a driver in their 40's, Mercury Mariner insurance prices range from the cheapest price of $438 for the bare minimum liability coverage to a much higher rate of $1,818 for high-risk insurance.
Geographic Price Range
Your location has a significant impact on auto insurance rates. Areas with sparse population have more infrequent accident claims than congested cities. The price range example below illustrates how location helps determine auto insurance rates.
The ranges above show why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below shows average Mercury Mariner insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $519
- Drivers who choose higher $1,000 deductibles will pay about $76 a year
- The average price for the average middle-age driver using $500 deductibles is $850
- Buying more expensive low deductibles for comprehensive and collision insurance costs an extra $138 a year
- High risk drivers with multiple tickets or accidents could pay at least $1,818
- The price to insure a teen driver with full coverage can be $3,398 a year
Car insurance prices for a Mercury Mariner are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.
Opting for high physical damage deductibles could save up to $220 each year, while increasing your policy's liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles could pay as little as $800 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged as much as $3,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at least $1,000 to $1,400 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 41% to 131% more than the average rate. View High Risk Driver Rates
The state you live in makes a big difference in Mercury Mariner insurance rates. A 40-year-old driver could pay as low as $560 a year in states like Idaho, Maine, and Iowa, or at least $1,210 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $768 | -$82 | -9.6% |
| Alaska | $652 | -$198 | -23.3% |
| Arizona | $704 | -$146 | -17.2% |
| Arkansas | $850 | -$0 | 0.0% |
| California | $968 | $118 | 13.9% |
| Colorado | $812 | -$38 | -4.5% |
| Connecticut | $872 | $22 | 2.6% |
| Delaware | $958 | $108 | 12.7% |
| Florida | $1,060 | $210 | 24.7% |
| Georgia | $786 | -$64 | -7.5% |
| Hawaii | $610 | -$240 | -28.2% |
| Idaho | $574 | -$276 | -32.5% |
| Illinois | $632 | -$218 | -25.6% |
| Indiana | $640 | -$210 | -24.7% |
| Iowa | $572 | -$278 | -32.7% |
| Kansas | $806 | -$44 | -5.2% |
| Kentucky | $1,158 | $308 | 36.2% |
| Louisiana | $1,256 | $406 | 47.8% |
| Maine | $526 | -$324 | -38.1% |
| Maryland | $700 | -$150 | -17.6% |
| Massachusetts | $676 | -$174 | -20.5% |
| Michigan | $1,472 | $622 | 73.2% |
| Minnesota | $712 | -$138 | -16.2% |
| Mississippi | $1,016 | $166 | 19.5% |
| Missouri | $756 | -$94 | -11.1% |
| Montana | $910 | $60 | 7.1% |
| Nebraska | $668 | -$182 | -21.4% |
| Nevada | $1,016 | $166 | 19.5% |
| New Hampshire | $612 | -$238 | -28.0% |
| New Jersey | $948 | $98 | 11.5% |
| New Mexico | $748 | -$102 | -12.0% |
| New York | $894 | $44 | 5.2% |
| North Carolina | $490 | -$360 | -42.4% |
| North Dakota | $698 | -$152 | -17.9% |
| Ohio | $584 | -$266 | -31.3% |
| Oklahoma | $872 | $22 | 2.6% |
| Oregon | $778 | -$72 | -8.5% |
| Pennsylvania | $806 | -$44 | -5.2% |
| Rhode Island | $1,132 | $282 | 33.2% |
| South Carolina | $770 | -$80 | -9.4% |
| South Dakota | $716 | -$134 | -15.8% |
| Tennessee | $744 | -$106 | -12.5% |
| Texas | $1,024 | $174 | 20.5% |
| Utah | $630 | -$220 | -25.9% |
| Vermont | $582 | -$268 | -31.5% |
| Virginia | $508 | -$342 | -40.2% |
| Washington | $654 | -$196 | -23.1% |
| West Virginia | $778 | -$72 | -8.5% |
| Wisconsin | $584 | -$266 | -31.3% |
| Wyoming | $756 | -$94 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mercury Mariner 2WD | $812 | $68 |
| Mercury Mariner Premier 2WD | $828 | $69 |
| Mercury Mariner AWD | $828 | $69 |
| Mercury Mariner Hybrid 2WD | $962 | $80 |
| Mercury Mariner Premier AWD | $844 | $70 |
| Mercury Mariner Hybrid AWD | $978 | $82 |
Rates assume 2009 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Mercury Mariner | $148 | $182 | $398 | $864 |
| 2009 Mercury Mariner | $146 | $178 | $390 | $850 |
| 2008 Mercury Mariner | $144 | $168 | $384 | $832 |
| 2006 Mercury Mariner | $126 | $152 | $376 | $790 |
Rates are averaged for all Mercury Mariner models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for More Affordable Mercury Mariner Insurance
Getting lower rates on Mercury Mariner insurance not only requires having a good driving record, but also maintaining a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates every couple of years by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The next list is a summary of the material that was covered in the charts and tables above.
- Drivers who may need increased levels of liability coverage will pay around $430 each year to go from a low limit to a 250/500 level
- Drivers age 20 and younger are the costliest to insure, with premiums as much as $283 a month if the policy includes full coverage
- High-risk drivers who have multiple accidents or major violations may pay on average $970 more every year to buy Mercury Mariner insurance
- Increasing physical damage deductibles could save as much as $225 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,398 |
| 20 | $1,932 |
| 30 | $864 |
| 40 | $850 |
| 50 | $780 |
| 60 | $764 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $988 |
| $250 | $926 |
| $500 | $850 |
| $1,000 | $774 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $850 |
| 50/100 | $1,070 |
| 100/300 | $1,185 |
| 250/500 | $1,484 |
| 100 CSL | $1,116 |
| 300 CSL | $1,369 |
| 500 CSL | $1,553 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,786 |
| 20 | $3,074 |
| 30 | $1,836 |
| 40 | $1,818 |
| 50 | $1,738 |
| 60 | $1,718 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $43 |
| Multi-vehicle | $45 |
| Homeowner | $15 |
| 5-yr Accident Free | $51 |
| 5-yr Claim Free | $53 |
| Paid in Full/EFT | $30 |
| Advance Quote | $37 |
| Online Quote | $57 |
| Total Discounts | $331 |
Discounts are estimated and may not be available from every company or in every state.
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